Real Estate Lending Underwriter
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Before you apply
Salary$50k – $90k
LocationGarden City South, New York, United States
Typefull-time
SeniorityMid
Experience3–7 yrs
DepartmentSimpleCREDIT
Company size11–50 people
PostedMay 29, 2026 · 5mo ago
Verified live3d ago
At a glanceSummarised by Seekless from the posting.
3–7 years underwriting investment property or business-purpose real estate loans
Direct experience with ground-up construction risk, blanket and portfolio loans, transitional real estate, and DSCR underwriting
Working knowledge of LTC vs. LTV tradeoffs, construction draw risk, cost overruns and contingency analysis, debt yield, DSCR, and exit risk
Demonstrated ability to evaluate sponsors beyond credit score
Experience defending or presenting credit decisions in committee or leadership forums
Proficiency with loan origination and underwriting platforms and Excel-based credit modeling
Ability to manage a pipeline and work independently across multiple concurrent deals
Experience with small-balance commercial, multifamily, or mixed-use assets a plus
Familiarity with institutional capital requirements or fund-level reporting a plus
Experience mentoring junior underwriters or analysts a plus
Skills
Excel
loan origination platforms
underwriting platforms
Pay: $50,000–$90,000 per year.
About the company
SimpleCREDIT is a growing private lender, based in Garden City, NY, built for credit professionals who want to underwrite real deals across the investment property and transitional lending space. We focus on core business-purpose lending including DSCR, residential transition, bridge, fix-and-flip, ground-up construction, multi-property and blanket structures, and small development projects, backed by institutional capital, with plans to continue expanding our product and capital access. We are seeking experienced credit and underwriting staff.
About the role
This is an opportunity to help build a lending platform early, with the ability to influence credit standards and grow with the business.
Responsibilities
Responsibilities
Underwrite DSCR, bridge, fix-and-flip, ground-up construction, and blanket loans for SimpleCREDIT
Evaluate sponsor strength, liquidity, experience, and track record
Analyze project budgets, construction timelines, and cost-to-complete risk
Review appraisals, feasibility studies, rent rolls, and market fundamentals
Assess exit strategy viability and market liquidity
Structure transactions to balance risk and growth
Prepare clear written credit memos and present recommendations in committee
Partner with originations to improve deal quality without compromising standards
Identify portfolio-level risk patterns and provide insight to leadership
Manage the full underwriting lifecycle from initial review through credit approval and closing
Coordinate with originations, processing, and closing teams on conditions and documentation
Maintain accurate credit files and records in the loan origination system
Contribute to guideline and policy refinement as the platform scales
Legal
Equal opportunity employer. Reasonable accommodations available on request.
Requirements
•
3–7 years underwriting investment property or business-purpose real estate loans
•
Direct experience with ground-up construction risk, blanket and portfolio loans, transitional real estate, and DSCR underwriting
•
Working knowledge of LTC vs. LTV tradeoffs, construction draw risk, cost overruns and contingency analysis, debt yield, DSCR, and exit risk
•
Demonstrated ability to evaluate sponsors beyond credit score
•
Experience defending or presenting credit decisions in committee or leadership forums
•
Proficiency with loan origination and underwriting platforms and Excel-based credit modeling
•
Ability to manage a pipeline and work independently across multiple concurrent deals
•
Experience with small-balance commercial, multifamily, or mixed-use assets a plus
•
Familiarity with institutional capital requirements or fund-level reporting a plus
•
Experience mentoring junior underwriters or analysts a plus